Mortgage Comparison Calculator — 15-Year vs 30-Year with PMI, Tax
Compare 15-year vs 30-year mortgages side by side with different rates, PMI, property taxes, and insurance. Free, instant, and accurate.
15-Year vs 30-Year Mortgage
Results below
Enter Values
Total Interest Paid (15-Year)
▲ $150,640
Total Interest Paid (30-Year)
▼ $408,142
Total Savings with 15-Year
▲ $347,502
Extra Monthly Cost for 15-Year
$592.05
_breakdown
{"loanAmount":320000,"downPaymentPct":"20.0","hasPmi":false,"monthlyPmi":0,"monthlyTax":400,"monthlyInsurance":100,"basePayment15":2614.6670547876274,"basePayment30":2022.6176751774892}
Scenario Comparison
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Total Savings
$347,502
63% less interest
Extra Monthly (15yr)
$592
Key Insight
15-year: $3,115/month — $150,640 interest. 30-year: $2,523/month — $408,142 interest. You save $347,502 with the 15-year term.
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